Binoy Vinston
Taliparamba
Summary
Manages branch credit assessments to support accurate MSME lending decisions. Reviews applications, verifies KYC documents, and maintains data integrity across loan processing systems. Delivers compliant lending support through careful checking and clear reporting.
Overview
3
3
Languages
5
5
years of professional experience
Work History
Branch Credit Manager (BCM)
Muthoot Microfin Ltd
Payyannur
12.2021 - Current
- Managed credit risk assessments and conducted financial analyses to minimise defaults on payments.
- Analysed client records to assess financial viability of lending applications.
- Managed branch credit operations ensuring compliance in MSME loan processing, customer documentation, and KYC verification. Reviewed loan applications and utilised online systems for accurate data reporting using Excel.
- Coordinated with sales and customer service departments to align credit policies with business objectives.
Education
B.com with Computer Application -
St.Joseph College Pilathara
Pilathara Kannur01-2012
Skills
- MSME loan processing
- Branch credit operations
- Loan processing
- MSME lending
- KYC verification
- Excel and Word
- Credit assessment
- Credit scoring
- Excel reporting
- Excel and Word
- Reference investigations
- MSME lending
- Relationship Management
- Excel reporting
- Branch credit operations
- KYC procedures
Languages
Malayalam
Proficient
C2
Hindi
Beginner
A1
English
Elementary
A2
Interests
- Learning new skills and improving professional knowldge
- Traveling and Exploring new places
- Intracting with people and learning about their needs
Timeline
Branch Credit Manager (BCM)
Muthoot Microfin Ltd
12.2021 - Current
B.com with Computer Application -
St.Joseph College Pilathara